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The Best Health Insurance In Colorado!

At SBS, we promise to help you find the best solution for you and your family and provide you with world class service when you have a question or need help in the future. We have been offering health insurance solutions for people just like you for over 20 years! We can serve you better than anyone! No more calling the mega companies that put you through a maze of phone options, when all you want is a live person to help you! With SBS, a live person will answer your call and a licensed agent is always available to help.

Colorado Co Pay Insurance Plans Made Simple!

They come in all shapes and sizes. Some are very comprehensive and some offer minimal benefits. The key is knowing up front what your co pay plan will do at claim time. You can spend hours sifting through all the plans out there and still pick the wrong one. Just because it is a name brand company, does not mean that you picked a comprehensive plan. The material on this page is a good starting point for a better understanding of the choices available. If you are shopping on you own, you may want to contact us for confirmation on the choice you made. We can verify the benefits of the plan and can usually help you expedite the application process. This service costs you nothing and can confirm the good choice you made for you and your family. Call  1-800-381-9149 or Click Here for personalized quote. We are dedicated to providing you with the best service at the lowest possible price!

Click Here For A Free Online Multi Company Quote Today!

"Ask An Agent"

What Is Co Insurance?

Co insurance is the percentage of the bill that you pay once the deductible has been reached. In the past, most co insurance was 20% of the bill until you spent an extra $2000. After that, the plans would generally pay 100%. Remember the term 80-20 plan? Now, you need to carefully look at the co insurance offered. Some co insurance could cost you an extra $7500 or more per person! There is 50-50, 60-40, 70-30, 80-20, 90-10 and 100. Make sure you know what the total out of pocket is. Talk to a reputable agent like SBS that will tell you the whole story.

What Is An Rx Co Pay?

An Rx co pay is the amount you pay for a prescription. Although it may not be subject to the calander year deductible, it usually is subject to it's own annual deductible per person for brand name or specialty drugs. Generic drugs are usually not subject to this deductible. Be sure to know the amount you pay before coverage starts for brand drugs.

Is It Time To Look At Your Life Policy?"

If you have had your life insurance policy for more than 2 years, the answer is yes. All companies are not equal! We may be able to save you thousands of dollars over the 20 or 30 year life of your policy!

How Do I Choose The Right Plan?

How do I choose? It's a difficult question. Can you just do a Google or Yahoo search and say, "Wow, $1500 deductible, $100 less a month, I need that plan!" You could, but here is the problem: What am I giving up? How much knowledge does that "telemarketer", "chat rep" or "customer service rep" really have? Want to bet your life on it? Your spouse's or child's life? Here are some questions to ask:
  • How Much Is The Lifetime Maximum?

  • How Much Is The Annual Maximum

  • Is There A Surgery Schedule?

  • How Does It Pay For Prescriptions And Are There Any Limits?

  • What Is The AM Best Rating?

  • How Long Do They Guarantee My Rate?
Call Us and We Will Give You The Answers!

Give Us A Call At 800-381-9149  Or Click Here For A Free Quote Today!  

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